This institution is no longer active

Operations ceased on November 9, 2019. CRA examination history below reflects the period it was active.

FIRST BANK OF NEWTON

NEWTON, KS · Supervised by FDIC

Est. 1873FDIC #4,738RSSD: FDIC-4738

Part ofINTRUST FINANCIAL CORP→ View all charters

Satisfactory Same

Current rating · Exam: July 2017

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.60%

Is this bank safe?

FIRST BANK OF NEWTON holds a Satisfactory CRA rating (2017), meets basic financial requirements (ROA +0.60%).

Institution Profile

FDIC BankFind

Address

128 East Broadway Street, NEWTON, KS

County

Harvey County

Established

September 20, 1873

Total Assets

$202M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2017

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 8 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2019Call Report / FDIC

Total Assets

$202M

Total Deposits

$175M

Net Loans

$157M

Net Income

$880K

ROA

0.60%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.65%

Risk-Based Capital

12.12%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.60%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.12%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate1.89%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	317	93.06%	1.89%
2018	431	92.81%	1.86%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jul 2017	Satisfactory	Small Bank
Sep 2011	Satisfactory	Small Bank
Sep 2005	Outstanding	Small Bank

5 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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